Are Garage Doors Covered Under Homeowners Insurance?

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Are Garage Doors Covered Under Homeowners Insurance?

As a homeowner, we know how important insurance is to help protect your home and belongings in case of an accident. So, you may be wondering, are garage doors covered under homeowners insurance?

Generally speaking, most homeowners insurance policies will cover damage to your garage door caused by fire, wind, hail, or theft. However, coverage for accidents caused by negligence or wear and tear might not be included in standard policies.

When it comes to garage doors, one of the most common questions we get asked is whether or not they’re covered under homeowners insurance. The answer, unfortunately, is that it depends. Homeowners insurance policies are all different, so you will need to check with your specific provider to see what exactly is included in your coverage.

If you're unsure about your insurance policy or what kind of garage door is right for you, our team at Retrak Door Service in Denver is here to help. At Retrak Door Service, we are a full-service garage door company serving the Denver area that specializes in repair and replacement. We're here to help you with all of your garage door needs, whether it's covered by insurance or not. Contact us today for an estimate on your garage door repair needs!

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What Homeowners Insurance Typically Covers

As a homeowner, you’re likely already aware of how important insurance is to help protect your home and belongings in case of an accident. Homeowners typically have an insurance policy that covers a set amount of damage to your home, depending on the type of policy that you have. For example, if your home is destroyed by a fire, your insurance will typically cover the cost of rebuilding your home.

The same goes for damage caused by severe weather, such as high winds or hail. Your homeowners insurance will usually cover the cost to repair any damage that was caused to your home by these events.

So What About Garage Door Coverage?

Every homeowner should have some type of homeowners insurance, but where does garage door coverage fall under that umbrella? Unfortunately, the answer is not as cut and dry as with other types of damage.

As we mentioned before, every homeowners insurance policy is different. Some policies will include damage to your garage door caused by fire, wind, hail, or theft, while other policies will not. Say for example that your garage door is damaged beyond repair by one of those events. Your homeowners insurance will likely cover the cost to replace your garage door and any other parts of your home that were damaged.

However, not all damage to your garage door is covered by homeowners insurance. For example, if your garage door is damaged because of negligence on your part — such as not properly maintaining the door or accidentally damaging the door — your insurance policy is not likely to cover the cost of repairs or a replacement. The same goes for damage that occurs over time due to normal wear and tear.

Ultimately, what it comes down to is the type of coverage you have and what exactly your insurance policy covers. The best way to figure that out is to check with your specific provider to see what is and isn't included in your unique homeowners insurance policy.

If you're unsure about your insurance policy or what kind of garage door is right for you, our team at Retrak Door Service in Denver is here to help you with all of your garage door needs. So contact us today for an estimate on your garage door repair needs!

Filing a Claim With Your Insurance Provider

So what happens when your garage door is damaged and that damage is covered by your homeowners insurance? The first step is to file a claim with your insurance provider.

To do this, you will need to gather any documentation that you have regarding the damage, such as photos or videos. You will also need to provide a detailed description of the damage and when it occurred. Your insurance provider will likely also require an estimate of the repair or replacement costs.

Once you have gathered all of this information, you will need to contact your insurance company to begin the claims process. They will likely assign an adjuster to your case who will investigate the damage and determine whether or not it is covered by your policy.

If the damage is covered, the insurance company will then issue a check to cover the cost of repairs or replacement. You can then use that money to pay for the necessary repairs or replacement of your garage door.

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Keep in mind that there may be a deductible associated with your claim, which is the amount of money that you are responsible for paying out of pocket. For example, if your garage door needs to be replaced and it costs $1000 to do so, but your deductible is $500, the insurance company will issue a check for $500 and you will be responsible for paying the remaining $500.

If you find yourself in a situation where you need to file a claim with your insurance company, it's important to work with a reputable garage door service company, like Retrak Door Service in Denver! We have years of experience working with insurance companies and can help you through the entire claims process!

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The Benefits of Upgrading Your Garage Door

If you're like most homeowners, you probably don't give your garage door much thought — that is, until it needs to be repaired or replaced. Then, all of a sudden, it's the only thing on your mind!

It's important to remember that your garage door is an essential part of your home. Not only does it provide security for your belongings, but it also helps to protect your car from the elements. On top of that, upgrading or replacing your garage door can actually have a lot of impacts on your home — and on your insurance policy.

To begin with, a new garage door is a great way to increase the value of your home! But beyond that, a replacement can reduce the liability on your homeowners insurance because it will help to protect your belongings from theft. You can also take additional steps to use your new garage door to help reduce the potential of damage in the future by providing better insulation for your home and cutting energy costs.

The type of garage door you have can also help protect your home from potential damage or problems in the future. Newer garage doors are often better insulation, helping reduce your energy bills and insulate your home. Steel garage doors are resistant to high wind and other types of natural disasters. Aluminum garage doors are resistant to oxidation or rust, along with vinyl and glass garage doors.

Just make sure to work with a garage door service company that will help you choose the best garage door for your specific needs. At Retrak Door Service in Denver, we can help you choose the perfect garage door for your home and provide you with a free estimate. So call us today!

Call For A Free Garage Door Service Estimate Today

At Retrak Door Service, we are a full-service garage door company that specializes in repair and replacement. We're here to help you with all of your garage door needs, whether it's covered by insurance or not. Contact us today for a free estimate!